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Settlement of Bad Loans Through Auction Execution of Customer Rights at Bank Syariah Indonesia: english Erwin Putra Pratama; Markoni; Joko Widarto; Horadin Saragih
Unram Law Review Vol 8 No 1 (2024): Unram Law Review(ULREV)
Publisher : Faculty of Law, University of Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/ulrev.v8i1.307

Abstract

Bank Syariah Indonesia (BSI) is an Islamic bank institution that provides financing to customers. BSI KCP Tangerang City, one of the sub-branch offices, needs help financing the wrong customers. The bank analyzes financing and applies collateral as collateral for customer financing. This research has a problem formulation: how to resolve lousy credit through auction execution of mortgage rights. This research used the normative juridical approach through interviews with data sources, laws, and literature studies. The results of this study indicate that BSI KCP Tangerang City applies an auction for a bad debt if the customer's financing has a bad status and is reluctant to pay his debts under Bank Indonesia Regulation No. 14/15/PB/2012 concerning Asset Quality Assessment of Commercial Banks. The bank considers the relief efforts of restructuring negotiations, such as rescheduling, reconditioning, and restructuring, given time, to the sale of collateral. The implementation and procedures of the auction are submitted to the KPKNL by the Minister of Finance Regulation Number 213 / PMK.06 / 2020 concerning Guidelines for the Implementation of Auctions. The bank conducts collateral credietverband; the sale proceeds are handed over to the customer after deducting KPKNL fees. The bank needs to review the application of the prudential principle, 5C, 7P, and 3R credit analysis to minimize lousy credit. Customers are advised to be able to reconsider the feasibility of their ability before applying for credit from the bank.
Peran Konten Visual Instagram terhadap Niat Beli Pengguna melalui Ketersediaan Informasi Produk Astika Ulfah Izzati; Markoni; Frianka Anindea
International Journal Administration, Business & Organization Vol 5 No 1 (2024): IJABO
Publisher : Asosiasi Ahli Administrasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61242/ijabo.24.387

Abstract

This study aims to examine the direct effect of visual of Instagram content and purchase intention, examine the influece between product information availability and purchased intention, and examine the influence of Instagram visual content to customers purchased intention through product information availability. This research used quantitative approach with causality analysis. By using two types and sources of data, namely primary data and secondary data. The data collection method is carried out directly on people who have used Instagram for shopping. The sample in this study was taken from a population that is considered representative which is 156 respondents. Statistical analysis used to test the mediating effect of product information availability in the relationship between Instagram visual content and purchase intention uses PROCESS MACRO Mediation by Hayes analysis. The result shows that visual of Instagram content indirectly and significantly influence purchase intentions through product information availability, and there is partial mediation in the relationship between visual of Instagram content and purchase intention through product information availability.
Legal Analysis of The Enforcement of Article 18 of The Regulation Issued by The Director General of Taxes, Numbered PER-03/PJ/2022, Regarding Tax Invoices Ban Hin, Siaw; Markoni; Nardiman; Widarto, Joko
Jurnal Legisci Vol 2 No 1 (2024): Vol 2 No 1 August 2024
Publisher : Ann Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62885/legisci.v2i1.408

Abstract

The Republic of Indonesia implemented Law Number 12 of 2011, explicitly establishing rules and regulations. Law Number 13 of 2022 has since revised this law. This Law enhances the current legislation, precisely Law Number 10 of 2004. Law Number 12 of 2011 prescribes the procedure for enacting laws and establishes guidelines for resolving conflicts or inconsistencies between these laws and regulations. The objective of this study is to analyze the legal effectiveness of Article 18 of Regulation PER-03/PJ/2022, which was issued by the Director General of Taxes, to Law Number 7 of 2021 on the Harmonization of Tax Regulations and Constitutional Court Decision Number 91/PUU-XVIII/2020. This research methodology entails examining values, norms, and written regulations, establishing a solid connection to the normative legal aspects of the library. The research has determined that the Regulation of the Director General of Taxes Number Per-03/PJ/2022 regulates Tax Invoices and has exceeded its authority in issuing Tax Invoices. The aforementioned rule pertains to the regulatory framework established by the Minister of Finance, which governs this particular matter and confers jurisdiction upon the director general of taxation. The Regulation of the Director General of Taxes Number 03/PJ/2022, which concerns Tax Invoices, does not possess enforceable legal authority and is open to scrutiny by the Supreme Court. Legal certainty is paramount as it provides taxpayers with a lucid and all-encompassing comprehension of their rights and obligations.
Analisis Yuridis dalam Penerapan Hukum Bagi Pelaku Judi Online: (Studi Kasus Putusan Pengadilan Negeri Bandung Nomor 604/Pid.Sus/2023/PN Bdg) Setiowati, Indah; Markoni; Saragih, Horadin; Kantika, I Made
Almufi Jurnal Sosial dan Humaniora Vol 1 No 3: November (2024)
Publisher : Yayasan Almubarak Fil Ilmi

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Abstract

Maraknya perjudian online di Indonesia menimbulkan permasalahan serius dalam penegakan hukum, mengingat sifat transnasional dan anonimitas para pelaku. Tindak pidana judi online kerap memanfaatkan celah hukum dan teknologi, sehingga menantang efektivitas peraturan yang ada. Penelitian ini bertujuan untuk menganalisis dalam menentukan pelaku tindak pidana judi online menurut UU ITE. Metode yang digunakan dalam penelitian ini adalah metode yuridis normatif dengan pendekatan kasus. Teori yang digunakan dalam penelitian ini adalah teori pembuktian dan teori pemidanaan. Hasil penelitian menunjukan penerapan hukum bagi pelaku judi online mencakup ancaman pidana sesuai UU ITE dan pidana umum, dengan hukuman bervariasi bergantung pada tingkat keterlibatan pelaku. Kesimpulannya adalah dalam penegakan hukum terhadap judi online, UU ITE menyediakan kerangka hukum yang penting. Pasal 27 ayat (2) UU ITE melarang transaksi perjudian melalui media elektronik. Identifikasi pelaku tidak hanya melibatkan pemain, tetapi juga penyelenggara dan operator situs. UU ITE efektif dalam mengatasi judi online dengan pendekatan yang komprehensif.
Handling Anarchist Demonstrations That Are Harmful to the Community Based on Police Standard Operating Procedures in the Jurisdiction of Polda Metro Jaya Sihombing, Jasalmon; Markoni; Kantikha, I Made; Nardiman
International Journal of Science and Society Vol 7 No 1 (2025): International Journal of Science and Society (IJSOC)
Publisher : GoAcademica Research & Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54783/ijsoc.v7i1.1381

Abstract

Demonstrations, as a form of freedom of expression, often present challenges for security forces, especially when such actions escalate into anarchic behavior that harms the public. In the legal jurisdiction of the Metro Jaya Police, this issue has become a significant concern due to the high frequency of demonstrations in the capital city. This study aims to analyze the Police's Standard Operating Procedures (SOP) in dealing with anarchic demonstrators within the jurisdiction of the Metro Jaya Police. The theories used in this research are law enforcement theory and legal protection theory, employing a normative juridical research method. The results of the study show that the implementation of the Police SOP, which includes stages of prevention, crowd control, and evaluation, plays a significant role in addressing anarchic actions. Challenges such as limited coordination with the organizers, limited resources, and difficulties in maintaining transparency and accountability were identified. In conclusion, the Police SOP at the Metro Jaya Police is designed to handle anarchic demonstrations in a structured, professional, and legal manner, with stages from prevention to the use of measured force, prioritizing transparency, accountability, and the protection of human rights.
Authority of Judicial Bodies in Settling Tax Disputes in Indonesia Gojali, Akhmad; Kantikha, I Made; Markoni; Nardiman
International Journal of Science and Society Vol 7 No 1 (2025): International Journal of Science and Society (IJSOC)
Publisher : GoAcademica Research & Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54783/ijsoc.v7i1.1382

Abstract

Tax is the main source of state revenue. Since 1984, tax collection in Indonesia has adopted a self-assessment system. In the practice of tax collection, disputes often occur between the Tax Authorities and Taxpayers regarding differences in the calculation of tax payable. The judicial body authorized to handle tax disputes in addition to the Tax Court, can also be resolved in other courts. The problems that arise are what causes tax disputes and how is the authority of the judicial body in resolving tax disputes. This study aims to analyze the authority of the judicial body in resolving tax disputes using the normative legal method. The results of the study show that tax disputes occur because there are differences of opinion between Taxpayers and the Tax Authorities in a legal and/or evidentiary manner. The Tax Court is only authorized to resolve disputes over Tax Authorities' Decisions and tax collections that can be appealed/lawsuited. Tax disputes related to Tax Authorities' Decisions that are detrimental to Taxpayers that are not specifically regulated are resolved in the State Administrative Court, while tax collection disputes in the form of hostage-taking of Taxpayers and third-party goods that are confiscated are the authority of the District Court. In conclusion, the authority to resolve tax disputes is not only resolved in the Tax Court, but also has the authority of the State Administrative Court and the District Court.
ANALISIS STRATEGI BISNIS PADA WARUNG MAKAN CHINESE FOOD KENDEDESS DI KOTA KENDARI Muhamad Bahtiar; Nursaban Rommy; Nurul Ittaqullah; Fauzan; Markoni
Jurnal Manajemen dan Kewirausahaan Vol. 17 No. 1 (2025): Jurnal Manajemen dan Kewirausahaan
Publisher : Jurusan Manajemen FEB UHO

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55598/jmk.v17i1.28

Abstract

This study aims to identify the micro-business strategies of the Chinese Food Kendedess restaurant using SWOT analysis and to explore strategies for its development. The Kendedess restaurant implements various strategies to maintain the sustainability and quality of its culinary business. Its primary focus is on authentic flavors and friendly service, creating a comfortable atmosphere that encourages customer loyalty. During challenging economic times, the restaurant offers budget-friendly menus and discounts for online orders, allowing customers to enjoy high-quality meals without financial strain. Operational efficiency is maintained through clear task delegation among employees. The SWOT analysis reveals strengths such as a recognized brand (0.60), fresh cuisine (1.00), and excellent service (1.00), with a total strength score of 4.20. However, weaknesses like ineffective promotion (0.60) and suboptimal delivery service (0.50) pose challenges. Opportunities from lifestyle changes (1.00) and a large market segment (1.50) support growth, despite threats such as intense competition (0.90) and inflation (0.75). The total internal factor score is 6.65, while the total external factor score is 7.15, indicating challenges alongside opportunities for sustainable growth
Police Discretion in Investigating Document Forgery and False Information Cases in Indonesia Putra, Ichwan Fuad Chaerul; Markoni; Nardiman; Asri, Dyah Permata Budi
International Journal of Science and Society Vol 7 No 1 (2025): International Journal of Science and Society (IJSOC)
Publisher : GoAcademica Research & Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54783/ijsoc.v7i1.1396

Abstract

Discretion is a form of authority granted to law enforcement officers, including police investigators, to make decisions based on specific judgments to ensure the smooth progression of legal processes. The purpose of this study is to analyze the process of investigation, inquiry, and the determination of suspects in cases of document forgery. The theories utilized in this thesis research include the theory of investigation, the theory of law enforcement, and the theory of discretion. This research employs a normative juridical method, a legal research approach used to analyze and evaluate applicable legal norms and their application in practice. The findings indicate that in cases of document forgery, original evidence must be presented to investigators for subsequent seizure as valid evidence in proving the criminal act of document forgery. Photocopy evidence alone, unsupported by other evidence, is deemed inadmissible. In conclusion, the discretion applied in the investigation process and suspect determination is expected to align with legal principles. Excessive or improper use of discretion can lead to abuse of authority, ultimately undermining public trust in law enforcement institutions.
ANALISIS YURIDIS SANKSI ADMINISTRASI TERHADAP PEDAGANG KAKI LIMA YANG MELANGGAR PERATURAN DAERAH NOMOR 8 TAHUN 2007 TENTANG KETERTIBAN UMUM Yofferson; Markoni; Kantika, I Made; Sembiring, Malemna Sura Anabertha
Almufi Jurnal Sosial dan Humaniora Vol 1 No 3: November (2024)
Publisher : Yayasan Almubarak Fil Ilmi

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Abstract

Permasalahan pedagang kaki lima (PKL) di Jakarta meliputi penggunaan trotoar dan jalan raya yang menyebabkan kemacetan dan mengurangi ruang bagi pejalan kaki. Selain itu, sampah yang ditinggalkan PKL memperburuk kebersihan kota. Pengawasan dan penertiban yang kurang maksimal semakin memperparah situasi ini. Penelitian ini bertujuan untuk menganalisis pengaturan dan penertiban PKL serta penindakan terhadap pelanggaran ketertiban umum. Teori yang digunakan adalah teori negara hukum dan penegakan hukum dengan metode yuridis normatif dan empiris. Hasil penelitian menunjukkan bahwa pengaturan PKL di Jakarta dilakukan melalui Perda Nomor 8 Tahun 2007 dan Pergub Nomor 142 Tahun 2017 yang mengatur lokasi berjualan dan prosedur perizinan. Penindakan terhadap pelanggaran melibatkan Satpol PP, Dinas Perhubungan, dan Dinas Kebersihan. Meskipun efektif, tantangan utama adalah kurangnya koordinasi dan terbatasnya fasilitas penataan. Kesimpulannya, penertiban PKL di Jakarta masih menghadapi kendala seperti perlawanan dari PKL dan keterbatasan sumber daya, yang menghambat keberhasilan penegakan aturan. Sarannya, Pemerintah DKI Jakarta bersama DPRD diharapkan menyusun Perda terkait pembinaan dan sanksi hukum bagi PKL, serta Satpol PP perlu mensosialisasikan sanksi yang berlaku. PKL diharapkan mematuhi Perda Nomor 8 Tahun 2007 dengan tidak berjualan di trotoar atau jalan raya tanpa izin.
Wanprestasi Dalam Perjanjian Sewa Menyewa Rumah Sebagai Lanjutan Perjanjian Pengikatan Jual Beli Di Cibubur Dewangi, Pemas; Markoni; Kantikha, I Made; Widarto, Joko
Almufi Jurnal Sosial dan Humaniora Vol 2 No 1: Maret (2025)
Publisher : Yayasan Almubarak Fil Ilmi

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Abstract

Dalam hal jual beli rumah, sering kali terjadi situasi di mana mantan pemilik rumah yang telah menjual propertinya melalui Perjanjian Pengikatan Jual Beli (PPJB) melanjutkan statusnya sebagai penyewa hingga proses pengalihan kepemilikan sepenuhnya selesai. Tujuan dari penelitian ini adalah untuk menganalisis terjadinya wanprestasi dalam perjanjian sewa menyewa sebagai kelanjutan Perjanjian Pengikatan Jual Beli. Teori yang digunakan adalah teori perjanjian dan teori wanprestasi. Metode penelitian yang digunakan adalah metode yuridis normatif dengan pendekatan perundang-undangan dan studi kasus. Hasil penelitian menunjukkan bahwa wanprestasi dalam perjanjian sewa-menyewa rumah sebagai lanjutan PPJB tidak mau mengosongkan rumahnya meskipun sudah habis masa tenggang waktunya disebabkan oleh faktor psikologi, kurangnya pemahaman hukum, dan motivasi ekonomi. Kesimpulan dari penelitian ini adalah Wanprestasi tersebut berpotensi merugikan pihak pembeli sebagai pemilik sah, baik secara material maupun immaterial. Sarannya adalah dalam membuat perjanjian harus sama-sama memiliki itikad baik, dan perjanjian harus dibuat secara tertulis dengan memuat klausul-klausul yang tegas dan jelas dengan segala akibat hukum jika ada yang wanprestasi.